Banco Popular de Puerto Rico

Janelle Dziuk is currently Executive Director of Employee Innovation. Janelle leads employee innovation programs including: Volunteer Innovation Program, coding competitions, challenge-based innovation, university partnerships, and Innovation Certification Training.� She and her team are responsible for managing USAA's internal innovation platform--ICE, Innovation Communities for the Enterprise. �With 99% employee participation we are able to leverage the diversity and power of all employees to drive innovation. Together we have implemented more than 1,000 employee innovation ideas.Prior to her role in Innovation, Janelle led enterprise projects as a Lead Business Architect, and directed the business strategy for our member service representatives. She also led Youth Marketing and Strategy where she was responsible for product development and marketing for all non-military members ages 26 and under. She began her USAA career in 1997 in credit card marketing where she launched our first rewards program�Eagle Points and the Platinum Card.Prior to working at USAA, Janelle was the public relations coordinator for KAMU-TV, the PBS affiliate in College Station, Texas. She also worked as a communications specialist for the Animal Science Department and the Houston Livestock Show and Rodeo.Janelle graduated from Texas A&M University with a Bachelor of Science in Agriculture Journalism, with an emphasis in Marketing and Animal Science. She is married to Chris, an Environmental Investigator, and they have two wonderful daughters Katelyn and Lauren. Her family enjoys living on their ranch and is very active in the community. Janelle serves as PTO President, President of the Falls City Education Foundation, and Confirmation teacher at Holy Trinity Catholic Church. She is a church choir member and softball coach. �Janelle�s father served in the Air Force and is a Vietnam Veteran and her grandfather was a Pearl Harbor Survivor who retired from the Navy.�

Chris Watkins graduated from Vanderbilt University in 1997 with a Bachelor of Arts in Philosophy.� He has 17 years of Underwriting, Product Management, Project Management, and Product Development experience in personal property and casualty insurance with Allstate, USAA, and Direct General.� At Direct he leads a team committed to improving our customers� omnichannel experience through product and technical development focused on ease of use.� Most recently, he led the team that developed the Direct on the Spot� kiosks, the first fully automated quote, bind, and pay kiosks featuring Direct�s Lightning Quote� process.

Nicole VanderMey started in the insurance industry 22 years ago with Foremost Insurance and is now Director of Regulatory Administration with Assurant Inc. �Throughout her career, she has seen the business of insurance from a wide variety of perspectives, having worked in Sales, Underwriting, Project Management, Claims Strategy, Marketing, Compliance, and Regulatory Administration. �Throughout much of this career, she has coordinated philanthropic events (large and small) with coworkers. �One even earned a Guinness World Record! �Nicole lives near Miami, FL and is married, with one daughter. �Her husband is starting a nonprofit restaurant, 2Fish. �At age 5, their daughter created The Helping Handbag, a project to resell used purses to benefit Haitian orphans. �Together, Nicole's family lives by the motto: �"When you're doing what you love, it's not work."

David Zdechlik, CPA, CGMA, is the senior analyst for SunGard�s insurance business. Mr. Zdechlik is an expert in regulatory changes in the insurance industry, including the rules and regulations from the National Association of Insurance Commissioners (NAIC), Securities and Exchange Commission (SEC), Financial Accounting Standards Board (FASB) and International Financial Reporting Standards (IFRS).The opinions of bloggers on www.insurancenetworking.com do not necessarily reflect those of�Insurance Networking News.

David Keane is the founder and CEO of bigtincan, a technology company that offers mobile-content management platforms.

Mitch Wein is Vice President of Research and Consulting at Novarica with international expertise in IT leadership and transformation as well as technology strategy for life, annuities, health, personal lines, commercial lines, wealth management and banking. Prior to joining Novarica he served in a series of senior technology management positions at major insurance and banking firms including AXA from 2004-2014 where he was the Interim CIO of AXA Ireland in Dublin, the Chief Architect and Head Of CTO for AXA UK in London and the CTO of AXA Equitable in the US. Prior to AXA, Mitch was with AIG from 1996-2004 where he was the CTO for the Domestic Brokerage Group and Domestic Personal Lines as well as holding other senior technology roles. Prior to 1996, Mitch held a variety of technology positions in large financial service firms. Mitch holds a BS in Finance and a MBA in Information Systems both from Fordham University.

Tom Scales is�a research�director of Celent�s Americas Life and Health Insurance practice. His research and consulting focuses on industry and channel strategy, home office and agent technology, insurance operations and implementation and consolidation approaches.�